Waddell Block · Photo: Jeffrey Beall · CC BY-SA 3.0Storms, floods and disasters in Philip
Philip isn’t graded for hazard risk: Philip has 571 residents; we grade towns of 1,000 or more.
What Philip faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Strong wind
Wildfire
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Philip flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Philip. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Philip isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Haakon County.4 federal disasters brought FEMA money to Philip
Disasters that paid out in Philip itself (aid to households or repair grants to the City of Philip), newest first, with that year’s flood claims.
- 2022Severe Storm, Straight-line Winds, Tornadoes, and Flooding$19K to the City of Philip for repairs
- 2019Severe Storms and Flooding$126K to the City of Philip for repairs
- 2008Severe Storms and Flooding$6K to the City of Philip for repairs
- 2004Severe Storms and Flooding$16K to the City of Philip for repairs
Haakon County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Philip after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Philip archive →Get ready for what Philip faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Philip
Is Philip in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Haakon County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Philip?
FEMA’s Community Rating System list shows no discount for Philip’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Philip?
By FEMA money that reached Philip, Severe Storms and Flooding (2019): $126K to the City of Philip for repairs.
Storm stories
Memories, warnings and help from neighbors in Philip.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Philip’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.